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WCF Bancorp has the Financial Strength Rank of 4.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors:
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.GuruFocus does not calculate WCF Bancorp's interest coverage with the available data. WCF Bancorp's debt to revenue ratio for the quarter that ended in Dec. 2018 was 7.74. Altman Z-Score does not apply to banks and insurance companies.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors
A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
WCF Bancorp's Interest Expense for the months ended in Dec. 2018 was $-1.04 Mil. Its Operating Income for the months ended in Dec. 2018 was $0.00 Mil. And its Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2018 was $24.00 Mil.
WCF Bancorp's Interest Coverage for the quarter that ended in Dec. 2018 is
The higher the ratio, the stronger the company's financial strength is.
2. Debt to revenue ratio. The lower, the better.
WCF Bancorp's Debt to Revenue Ratio for the quarter that ended in Dec. 2018 is
Debt to Revenue Ratio | = | Total Debt (Q: Dec. 2018 ) | / | Revenue | ||
= | (Short-Term Debt & Capital Lease Obligation | + | Long-Term Debt & Capital Lease Obligation) | / | Revenue | |
= | (0 | + | 24) | / | 3.101 | |
= | 7.74 |
3. Altman Z-Score.
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
WCF Bancorp (OTCPK:WCFB) Financial Strength Explanation
The maximum rank is 10. Companies with rank 7 or higher will be unlikely to fall into distressed situations. Companies with rank of 3 or less are likely in financial distress.
WCF Bancorp has the Financial Strength Rank of 4.
Thank you for viewing the detailed overview of WCF Bancorp's Financial Strength provided by GuruFocus.com. Please click on the following links to see related term pages.
Michelle Zahn | officer: Chief Financial Officer | 401 FAIR MEADOW DRIVE, WEBSTER CITY IA 50595 |
Bradley Mickelson | director | 401 FAIR MEADOW DRIVE, WEBSTER CITY IA 50595 |
Paul L Moen | officer: Chief Financial Officer | 401 FAIR MEADOW DRIVE, WEBSTER CITY IA 50595 |
Michael R Segner | director, officer: President and CEO | 401 FAIR MEADOW DRIVE, WEBSTER CITY IA 50595 |
Thomas J Hromatka | director | C/O NORTH CENTRAL BANCSHARES INC, 825 CENTRAL AVENUE, FORT DODGE IA 50501 |
Kevin Eason | officer: EVP and CCO | 401 FAIR MEADOW DRIVE, WEBSTER CITY IA 50595 |
C Thomas Chalstrom | director | C/O NORTH CENTRAL BANCSHARES INC, 825 CENTRAL AVE PO BOX 1237, FORT DODGE IA 50501 |
Kyle R Swon | director, officer: SVP | 220 DES MOINES ST, PO BOX 638, WEBSTER CITY IA 50595 |
Stephen L Mourlam | director, officer: President and CEO | 220 DES MOINES ST, PO BOX 638, WEBSTER CITY IA 50595 |
Leo Moriarity | director | 401 FAIR MEADOW DRIVE, WEBSTER CITY IA 50595 |
Harold J Pursley | director, other: Chairman | 401 FAIR MEADOW DRIVE, WEBSTER CITY IA 50595 |
Kasie L Doering | officer: CFO | 401 FAIR MEADOW DRIVE, WEBSTER CITY IA 50595 |
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